There are no college courses to build up self-esteem or high school or elementary school. If you don't get those values at a early age, nurtured in your home, you don't get them.
People would have a health care insurance policy they can call their own. They could choose one that exactly fits their families' needs and their budgets, be able to take that coverage with them from job to job and be able to fire their insurance company if it doesn't treat them well.
One danger, when you're writing lots of quick, opinionated blog items about the latest developments, is that you never get around to stating fully, in one place, what you think about a particular topic.